How to Buy Life Insurance with No Questions About Your Health Guaranteed term life insurance.
Are You Looking to Buy a No Health Questions Life Insurance Policy?
Choose Guaranteed Whole Life Coverage without Health Questions for Simplicity
Apply for coverage without taking any doctor’s exam or answering any health questions.
Keep your coverage even if your health changes, as long as you pay your premiums on time.
Purchase coverage with confidence, with a 60-day money-back guarantee.
What is Easy Issue No Question Whole Life Insurance?
It means, you won’t have to deal with any delays or hassles of medical exams or length underwriting of your application. There’s no pushy salesman and no lengthy mailing delays.
No Health Questions Asked
Guaranteed Approval for Ages 45 to 85
No Need to Meet with an Agent
Premiums Never Increase
Coverage Amount Never Decreases
Builds Cash Value Inside Your Policy
With easy-issue guaranteed policies there is no health check-up and you won’t have to answer any questions about the condition of your health.
Even if you have been turned down by other life insurance companies, you can still get insured.
Easy Issue No Question Life Insurance
Guaranteed issue permanent life insurance is ideal for covering outstanding debts, medical bills and final expenses, plus it can leave funds to provide a legacy for your family members.
Your beneficiaries can use the proceeds from your life insurance any way they wish.
Who Wants No Question No Exam Whole Life Insurance Coverage?
Gerber life insurance
Want a Simplified Issue life insurance plan.
Don’t want to take any health examination.
Don’t want to answer any questions about your health history and current health.
New retirees whose group life insurance has terminated and who want a small permanent life insurance policy to cover final expenses.
Need life insurance to cover your funeral, burial and final expenses.
Term life insurance policy owners who purchased temporary life insurance years ago and now require a small amount of permanent guaranteed lifetime life insurance coverage.
Product Features of Guaranteed Life Insurance without any Health Questions
Guarantees – People age 45 to 85 won’t be denied coverage or have benefits reduced due t age or health.
No Waiting Period on Death Benefit
Availability – Available in all states except CT, MT or NY.
Minimum Premium – Rates as low as $8.80 per month
Guaranteed Cash Values – Builds cash value inside your policy.
Easy Application Process – You can qualify for coverage without undergoing a medical exam or answering health questions.
Simplified Underwriting – No doctor examination required and no health questions asked.
Spousal Coverage – Your spouse can get covered if he or she is age 45 to 85.
You can get insured without answering any questions about your health.
Discover how affordable no question life insurance can fit your personal needs and budget.
The process is easy, you just request a free quote.
Many people ages 45 to 85 choose guaranteed issue life insurance to help cover their final expenses.
It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your funeral and burial costs upon your passing.
Why Choose Guaranteed Acceptance Life Insurance?
It’s designed to help cover the cost of final expenses including funeral costs, medical bills and other debts, for people age 45-85.
Your life insurance protection is guaranteed throughout the life of your policy. Your annual premium is guaranteed never to increase, and the amount of life insurance coverage provided by your policy is guaranteed never to decrease.
Your acceptance for a policy is guaranteed, as long as you meet the age requirements.
There are no health examinations to take and no health questions for you to answer.
Why Choose Guaranteed Approval No Question Life Insurance for Your Final Expenses?
Without a life insurance plan in place to cover your final expenses which may include the cost of your burial, funeral, medical bills and other debts, these costs could fall upon your loved ones who may be put in a financially stressful situation having to come up with the money to cover these expenses.
A final expense policy can give you peace of mind knowing your family members will not be left with a financial burden if you die.
Plans are affordable, starting as low as $8.80 per month. The premium you pay is based on the amount of life insurance you need, your age and gender.
How Can I Qualify If I Have Health Issues?
If you’re age 45 to 85 you can’t be turned down for health reasons. You will not be required to take a physical exam or answer any health questions – now, or at any time in the future.
Your acceptance for coverage is guaranteed.
Will My Rates Change as I Get Older or My Health Changes?
No. Your life insurance coverage and premiums are guaranteed to remain the same throughout the life of your policy.
That means, your premium will never increase, and your coverage will never decrease.
As long as you pay your premiums, your coverage is guaranteed.
How Can My Family Use the Money from My Policy?
You choose who will be beneficiary of your life insurance.
John hancock life insurance
Your beneficiaries can use the money as they see fit, which may include to pay for your final expenses.
In addition, your life insurance policy may build up some cash value from which you may be able to take a loan in the future, if you need it.
They are all of the costs related to your passing, which may include burial costs, medical bills and unpaid debts you have accumulated.
Which Insurance Companies offer No Question Guaranteed Issue Plans?
No health questions life insurance coverage is available from several insurance carriers.
Among the leading providers of final expense policies are:
United of Omaha – Up to $25,000 of coverage for people ages 45-85
Gerber Life – Up to $25,000 of coverage for people ages 50-80
Foresters – Up to $35,000 coverage for people ages 45-80
AIG – Up to $25,000 coverage for people ages 50-85
Usually, a life insurance policy comes with a money-back guarantee, which means if you are not satisfied with your policy you may return it to the insurance company within the Free Look Period (usually 30 days) for a full refund of all premiums paid.
For Example: United of Omaha provides a 60 day money-back guarantee on their guaranteed-issue life insurance policies.
United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote .
Highly Recommended – Met Life
MetLife offers guaranteed acceptance final expense life insurance for people age 45 to 75. Choose $2,500 up to $20,000 of coverage. Rates start as low as $10 per month. There’s no medical exam and no health questions. You cannot be turned down.